Financial Planning for Businesses

Boring Privacy & Legal Stuff

At, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information received and collected by and how it is used.

Is there any info that is gathered/tracked?

Twin Tier Financial does gather the following information:

  1. Data from customers purchasing products;
  2. Data from visitors downloading or receiving free information products;
  3. Data from visitors subscribing to our newsletters; and
  4. Aggregated tracking information derived mainly by tallying page views throughout our site.

Twin Tier Financial gathers information in the following processes:

When site visitors download or receive free information products from the Twin Tier Financial web site, the email address and any other information provided by the visitor may be stored. Twin Tier Financial offers a free newsletter, and informational and educational articles. Twin Tier Financial gathers the email and physical addresses of site visitors and customers who voluntarily subscribe. Subscribers may remove themselves from this list by clicking an unsubscribe link in emails sent by or on behalf of or by contacting Twin Tier Financial:

Twin Tier Financial
5537 Hamstead Crossing Drive
Raleigh, NC 27612

Tel: (800) 875-2052

Fax (888) 214-1713

and requesting to be removed from all future mailings and/or communications.

Twin Tier Financial tracks customer traffic throughout the site. The company may use information (including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.

Twin Tier Financial also breaks down overall usage statistics according to a customer’s domain name and browser type by reading this information from the browser string (information contained in every visitor’s browser) and by 3rd party analytical software. All of this is designed to enhance the end user experience while visiting the Twin Tier Financial website.

Any credit card information that is collected from a website visitor/customer/client during purchase of products is handled entirely through PayPal and is not collected or stored by Twin Tier Financial in any way.

The email addresses of visitors downloading free information products are used from time to time by Twin Tier Financial to promote its own products and services. The web site tracking information enables us to better tailor our content to customers’ needs and to help us understand the demographics of our audience and measure the results of our marketing activities.

Who is the information shared with?

No information collected during a transaction is shared with any other party other than customer information during credit card transaction validation as described above.

How is the information stored?

Twin Tier Financial does store all customer and visitor information securely in encrypted databases for the sole use of Twin Tier Financial and its infrastructure service providers. Linked sites from the Twin Tier Financial web site are independent from Twin Tier Financial. Twin Tier Financial has no control over the content on that linked web site. Twin Tier Financial does not endorse or accept any responsibility for the content, or the use, of such linked web sites. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses and other items of a destructive nature. In no event, will Twin Tier Financial or David C. Lewis be liable to any party for any use of hyper linked websites, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

Additional Information About 3rd Party Cookies and Advertising

Log Files
Like many other Web sites, makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons does use cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser.

DoubleClick DART Cookie
.:: Google, as a third party vendor, uses cookies to serve ads on
.:: Google’s use of the DART cookie enables it to serve ads to users based on their visit to and other sites on the Internet.
.:: Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL –

Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include Google Adsense

These third-party ad servers or ad networks use technology to the advertisements and links that appear on send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see. has no access to or control over these cookies that are used by third-party advertisers.

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices.’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites.

Disclaimer of Liability

Information and services provided at are supplied “as is” without warranty of any kind (unless a specific product or service carries a manufacturer’s warranty), either expressed or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. All information provided on is for educational purposes only and is not intended to replace or substitute personal and professional financial, legal, tax, or other advice for your specific situation and/or circumstance. None of the information on is or should be construed as a recommendation to buy or sell any security, Gold (or any other precious metal), or to invest in any specific investment, life insurance, annuity, or any savings or savings-like vehicle. Likewise, none of the information on is to be construed as tax advice or legal advice.

Twin Tier Financial does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Twin Tier Financial does not warrant or make any representations regarding the use or the results of the use of the materials in this site in terms of their correctness, accuracy, reliability, or otherwise. Twin Tier Financial, under no circumstances, including, but not limited to, negligence, shall be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if a Twin Tier Financial authorized representative has been advised of the possibility of such damages.

Copyright Notice

Every item on this site, unless otherwise marked is protected by copyright. Twin Tier Financial, all rights reserved, unless explicitly stated otherwise. This includes all HTML code, text, graphics, databases of information products, and links to resources and other intellectual property which are protected by International Copyright Laws, and may not be copied, reprinted, redistributed, published, resold, re-engineered, reverse engineered, translated, hosted, or otherwise distributed by any means without explicit permission of Twin Tier Financial. If you have any questions about these terms, please call (607) 215-4981. Any password and/or all service access information, username, user ID, subscriber code, and/or password and download locations which you have or will receive(d) from Twin Tier Financial and all information accessible to you through a password-protected area is to be treated by you as private and confidential. You will not permit any such information to be communicated, copied, or otherwise divulged to any other person whatsoever.

Contact Details

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at or by writing to:

Twin Tier Financial
5537 Hamstead Crossing Drive
Raleigh, NC 27612